{"id":600,"date":"2024-09-18T06:27:17","date_gmt":"2024-09-18T03:27:17","guid":{"rendered":"http:\/\/cityfinances.lv\/?p=600"},"modified":"2025-03-14T14:05:22","modified_gmt":"2025-03-14T12:05:22","slug":"uznemumu-kreditesana","status":"publish","type":"post","link":"https:\/\/cityfinances.lv\/ru\/jaunumi\/uznemumu-kreditesana\/","title":{"rendered":"Naudas pl\u016bsmas probl\u0113mu ra\u0161an\u0101s un 6 efekt\u012bvi to nov\u0113r\u0161anas veidi ar uz\u0146\u0113mumu kredit\u0113\u0161ana"},"content":{"rendered":"<p>Probl\u0113mas ar naudas pl\u016bsmu var\u0113tu defin\u0113t k\u0101 situ\u0101cijas, kad uz\u0146\u0113mums vairs nesp\u0113j nok\u0101rtot saist\u012bbas, kuras tas ir uz\u0146\u0113mies. Viss ir vienk\u0101r\u0161i: laba uz\u0146\u0113mumu kredit\u0113\u0161ana un kvalitat\u012bva naudas pl\u016bsma pal\u012bdz biznesam augt, kam\u0113r v\u0101j\u0101 to gremd\u0113.<\/p>\n\n\n\n<p>P\u0113t\u012bjumi r\u0101da, ka tie\u0161i v\u0101ja naudas pl\u016bsma ir iemesls, k\u0101p\u0113c katrs ceturtais uz\u0146\u0113mums nep\u0101rdz\u012bvo pirmo darb\u012bbas gadu, un tikai apm\u0113ram puse iztur vair\u0101k par 5 gadiem. \u0160aj\u0101 rakst\u0101 apskat\u012bsim galvenos iemeslus, kas izraisa naudas pl\u016bsmas probl\u0113mas un situ\u0101cijas, kad rodas vajadz\u012bba p\u0113c uz\u0146\u0113mumu kredit\u0113\u0161anas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Galvenie iemesli, kas var izrais\u012bt naudas pl\u016bsmas probl\u0113mas un uz\u0146\u0113mumu kredit\u0113\u0161ana sa\u0146em\u0161anu<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P\u0101r\u0101k maza pe\u013c\u0146a vai zaud\u0113jumi<\/strong><\/h3>\n\n\n\n<p>Protams, ka pe\u013c\u0146a, kas tiek g\u016bta p\u0101rdodot preces vai pakalpojumus, ir katra uz\u0146\u0113muma galvenais naudas avots. L\u012bdz ar to, past\u0101v tie\u0161a saikne starp ien\u0101kumiem un naudas pl\u016bsmas probl\u0113m\u0101m: ja ien\u0101kumi samazin\u0101s, naudas pl\u016bsma \u0101tr\u0101k vai v\u0113l\u0101k aps\u012bks un, iesp\u0113jams, b\u016bs nepiecie\u0161ams uz\u0146\u0113mumu kredit\u0113\u0161ana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tiek veiktas p\u0101r\u0101k apjom\u012bgas invest\u012bcijas<\/strong><\/h3>\n\n\n\n<p>Neap\u0161aub\u0101mi, ieguld\u012bt att\u012bst\u012bb\u0101 ir nepiecie\u0161ams. Ta\u010du, ja tiek p\u0101rv\u0113rt\u0113tas n\u0101kotnes pe\u013c\u0146as prognozes, var gad\u012bties iebraukt otr\u0101 gr\u0101v\u012b. It \u012bpa\u0161i, ja tiek izmantots \u012bstermi\u0146a finans\u0113jums, piem\u0113ram, uz\u0146\u0113mumu kredit\u0113\u0161ana, bez skaidra redz\u0113juma, k\u0101 to atgriezt. \u0160\u0101das invest\u012bcijas, piem\u0113ram, specifisk\u0101s ra\u017eo\u0161anas iek\u0101rt\u0101s vai \u0113ku p\u0101rb\u016bv\u0113, ir visai gr\u016bti \u0101tri atkal p\u0101rv\u0113rst naud\u0101, necie\u0161ot zaud\u0113jumus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P\u0101r\u0101k liels pre\u010du atlikums noliktav\u0101<\/strong><\/h3>\n\n\n\n<p>Nesam\u0113r\u012bgi liels iepirkto pre\u010du daudzums iesald\u0113 naudas l\u012bdzek\u013cus, turkl\u0101t parasti tas ar\u012b trauc\u0113t norm\u0101lu noliktavas darb\u012bbu: neviens ta\u010du neb\u016bv\u0113 \/ ne\u012br\u0113 liel\u0101kas telpas, nek\u0101 re\u0101li nepiecie\u0161ams. No otras puses \u2013 iepirkt preces vairum\u0101 parasti ir izdev\u012bg\u0101k un zin\u0101m\u0101m rezerv\u0113m vajadz\u0113tu b\u016bt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P\u0101r\u0101k daudz pre\u010du tiek p\u0101rdotas ar p\u0113capmaksu<\/strong><\/h3>\n\n\n\n<p>P\u0101rdot preces kred\u012bt\u0101, izmantojot uz\u0146\u0113muma kred\u012bts, ir labs veids, k\u0101 veicin\u0101t p\u0101rdo\u0161anas apjomu pieaugumu un piesaist\u012bt jaunus klientus. Tom\u0113r past\u0101v risks saskarties ar naudas pl\u016bsmas probl\u0113m\u0101m, ja k\u0101d\u0101 br\u012bd\u012b vair\u0101ki klienti vienlaikus nenok\u0101rto saist\u012bbas. Vai ar\u012b v\u0113l slikt\u0101k \u2013 nenor\u0113\u0137in\u0101s visp\u0101r un k\u013c\u016bs nepiecie\u0161ams uz\u0146\u0113mumu kredit\u0113\u0161ana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>P\u0101r\u0101k ambiciozi uz\u0146\u0113mumu kredit\u0113\u0161ana apm\u0113ri<\/strong><\/h3>\n\n\n\n<p>\u0160\u0101das situ\u0101cijas rodas, kad, uz\u0146\u0113mumam strauji att\u012bstoties, \u013coti liels uzsvars tiek likts uz \u012bstermi\u0146a finans\u0113jumu. Piem\u0113ram, atverot vair\u0101kus veikalus vienlaic\u012bgi, nepiecie\u0161ams iepirkt daudz pre\u010du, maks\u0101t par visu telpu \u012bri un uztur\u0113\u0161anu, vajadz\u012bgas liel\u0101kas noliktavas un vair\u0101k darbinieku. Savuk\u0101rt tirdzniec\u012bba v\u0113l \u012bsti pat nav s\u0101kusies.<\/p>\n\n\n\n<p>\u0160\u0101ds risks ir ar\u012b tiem uz\u0146\u0113mumiem, kas pa\u013caujas uz ilgtermi\u0146a pieg\u0101\u017eu L\u012bgumiem: iepriek\u0161\u0113j\u0101s preces v\u0113l nav p\u0101rdotas, bet jau j\u0101maks\u0101 par n\u0101kamaj\u0101m un t\u0101p\u0113c ir j\u0101izmanto uz\u0146\u0113mumu kredit\u0113\u0161ana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Negaid\u012btas p\u0101rmai\u0146as, kas var b\u016bt un var neb\u016bt atkar\u012bgas no pa\u0161a uz\u0146\u0113muma<\/strong><\/h3>\n\n\n\n<p>\u0160eit runa ir par p\u0101rmai\u0146\u0101m, kuras neiek\u013caujas norm\u0101l\u0101&nbsp;<a href=\"http:\/\/cityfinances.lv\/ru\/biznesa-plans\/\">finan\u0161u pl\u0101no\u0161an\u0101<\/a>, jo nav biju\u0161as iepriek\u0161 paredzamas. P\u0101rmai\u0146as var b\u016bt gan iek\u0161\u0113jas (sal\u016bzusi k\u0101da iek\u0101rta, uz\u0146\u0113mumu pamet t\u0101 darb\u012bbai noz\u012bm\u012bgi darbinieki), gan \u0101r\u0113jas (recesija ekonomik\u0101 kopum\u0101, dabas katastrofas, nesam\u0113r\u012bgi straujas izmai\u0146as likumdo\u0161an\u0101).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Noteikt\u0101m nozar\u0113m rakstur\u012bgas sezon\u0101las izmai\u0146as, kad j\u0101mekl\u0113&nbsp;<\/strong><strong>uz\u0146\u0113mumu kredit\u0113\u0161ana<\/strong><\/h3>\n\n\n\n<p>Pret\u0113ji iepriek\u0161 min\u0113tajam piem\u0113ram, sezon\u0101las izmai\u0146as var iepriek\u0161 paredz\u0113t un pl\u0101not attiec\u012bgas darb\u012bbas. Uz\u0146\u0113m\u0113ji parasti zina kur\u0101 laik\u0101 ien\u0101kumi b\u016bs liel\u0101ki, kur\u0101 saruks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Veicam\u0101s darb\u012bbas uz\u0146\u0113mumu kredit\u0113\u0161ana sa\u0146em\u0161anai un naudas pl\u016bsmas probl\u0113mu nov\u0113r\u0161anai<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Gr\u0101matved\u012bbas sak\u0101rto\u0161ana<\/strong><\/h3>\n\n\n\n<p>Daudzi nelielu uz\u0146\u0113mumu vad\u012bt\u0101ji atst\u0101j gr\u0101matved\u012bbas jaut\u0101jumus nov\u0101rt\u0101, jo ir p\u0101r\u0101k aiz\u0146emti ar biznesa vad\u012b\u0161anu. Piem\u0113ram, apmaks\u0101jamie r\u0113\u0137ini tiek vienk\u0101r\u0161i krauti kaudz\u012bt\u0113 un apmaks\u0101ti tad, kad tam atliek laika vai tiek sa\u0146emta nauda. Savuk\u0101rt r\u0113\u0137ini klientiem tiek izrakst\u012bti haotiski, bez skaidras klasifik\u0101cijas. \u0160odien ir 30. septembris? Nu, tad r\u0113\u0137ina numurs b\u016bs 3009-1. P\u0113c tam \u0161is r\u0113\u0137ins tiek izsniegts klientam, ta\u010du nekur netiek iegr\u0101matots<a href=\"http:\/\/cityfinances.lv\/ru\/atrs-kredits-uznemumam-bez-kilas\/\">.<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Haotiska gr\u0101matved\u012bba trauc\u0113 naudas pl\u016bsmai<\/h4>\n\n\n\n<p>Skaidrs, ka \u0161\u0101da r\u012bc\u012bba neizb\u0113gami agr\u0101k vai v\u0113l\u0101k rada probl\u0113mas un nepiecie\u0161am\u012bbu p\u0113c uz\u0146\u0113muma kred\u012bts. Uz\u0146\u0113m\u0113js nemaz prec\u012bzi nezina, cik daudz naudas klienti vi\u0146am ir par\u0101d\u0101 un cik j\u0101maks\u0101 pa\u0161am. Gr\u0101matved\u012bbas sak\u0101rto\u0161ana var b\u016btiski atvieglot dz\u012bvi un pasarg\u0101t no daudz\u0101m ar naudas pl\u016bsmu saist\u012bt\u0101m nepatik\u0161an\u0101m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Darbs ar sliktajiem debitoriem<\/strong><\/h3>\n\n\n\n<p>N\u0101kamais solis p\u0113c gr\u0101matved\u012bbas sak\u0101rto\u0161anas ir kred\u012btu kontroles sist\u0113mas ievie\u0161ana. T\u0101 ietver kred\u012btu uzskaiti, atg\u0101din\u0101jumu izs\u016bt\u012b\u0161anu par neizpild\u012bt\u0101m saist\u012bb\u0101m un slikt\u0101kaj\u0101 gad\u012bjum\u0101 \u2013 piedzi\u0146as procesa uzs\u0101k\u0161anu.<\/p>\n\n\n\n<p>Lai nov\u0113rstu risku, kas saist\u012bts ar sliktiem par\u0101diem, uz\u0146\u0113m\u0113jiem vajadz\u0113tu p\u0101rbaud\u012bt savu klientu un partneru maks\u0101tsp\u0113ju v\u0113l pirms sadarb\u012bbas uzs\u0101k\u0161anas un jebk\u0101du pre\u010du izsnieg\u0161anas ar p\u0113capmaksu. Tas nenoz\u012bm\u0113, ka ar vi\u0146iem nevajag sadarboties.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Nodro\u0161inieties savlaic\u012bgi!<\/h4>\n\n\n\n<p>Ta\u010du iesp\u0113jams, ka vismaz da\u013cu naudas ir j\u0101prasa uzreiz, avans\u0101, vai ar\u012b apmaksa j\u0101veic vair\u0101kos posmos \u2013 tikl\u012bdz k\u0101da da\u013ca darba ir paveikta vai noteikts pre\u010du daudzums ir pieg\u0101d\u0101ts, \u0161\u0101di samazinot pa\u0161a uz\u0146\u0113muma zaud\u0113jumu iesp\u0113ju un vajadz\u012bbu izmantot uz\u0146\u0113mumu kredit\u0113\u0161anu.<\/p>\n\n\n\n<p>Paties\u012bb\u0101 uzskaiti ir v\u0113rts ieviest attiec\u012bb\u0101 uz visiem klientiem, ne tikai tiem, kuru kred\u012btv\u0113sture liecina par iesp\u0113jam\u0101m probl\u0113m\u0101m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Naudas pl\u016bsmas un uz\u0146\u0113mumu kredit\u0113\u0161anas pl\u0101no\u0161ana, pamatojoties uz iepriek\u0161\u0113jo periodu datiem<\/strong><\/h3>\n\n\n\n<p>Kad gr\u0101matved\u012bba ir k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 iepriek\u0161\u0113j\u0101s darb\u012bbas rezult\u0101tus, ir iesp\u0113jams diezgan korekti prognoz\u0113t, kuros m\u0113ne\u0161os sagaid\u0101ms l\u012bdzek\u013cu tr\u016bkums un kad gaid\u0101mi liel\u0101ki ie\u0146\u0113mumi, kad var b\u016bt nepiecie\u0161ama uz\u0146\u0113mumu kredit\u0113\u0161ana un kad nauda paliks p\u0101ri. L\u012bdz ar to, var pl\u0101not finans\u0113jumu n\u0101kamajam gadam un v\u0113l t\u0101l\u0101k, k\u0101 ar\u012b nov\u0113rst iepriek\u0161 pie\u013caut\u0101s k\u013c\u016bdas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">No prec\u012bziem datiem izriet prec\u012bzas darb\u012bbas<\/h4>\n\n\n\n<p>Turkl\u0101t apr\u0113\u0137ini ir prec\u012bzi, jo tiek veikti, pamatojoties uz p\u0101rbaud\u0101miem skait\u013ciem, kas attiecas tie\u0161i uz j\u016bsu uz\u0146\u0113mumu. L\u012bdz ar to, uzreiz b\u016bs skaidras ar\u012b veicam\u0101s praktisk\u0101s darb\u012bbas (j\u0101mekl\u0113 telefona pakalpojumu sniedz\u0113js, j\u0101nomaina iek\u0101rtas uz efekt\u012bv\u0101k\u0101m, j\u0101nol\u012bgst profesion\u0101l\u0101ki darbinieki, j\u0101atrod piem\u0113rot\u0101kais uz\u0146\u0113mumu kredit\u0113\u0161ana utt.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Maks\u0101juma termi\u0146u saska\u0146o\u0161ana<\/strong><\/h3>\n\n\n\n<p>Situ\u0101cij\u0101s, kad da\u017e\u0101di maks\u0101jumi nav sinhroniz\u0113ti, var rasties negat\u012bva naudas pl\u016bsma. Piem\u0113ram, ja klients p\u0101rskait\u012bs jums naudu p\u0113c 30 dien\u0101m, bet ar pieg\u0101d\u0101t\u0101ju j\u0101nor\u0113\u0137in\u0101s jau p\u0113c 14 dien\u0101m, j\u016bs, iesp\u0113jams, nesp\u0113siet nok\u0101rtot savas saist\u012bbas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Gad\u012bjumi, kad sinhroniz\u0101cija nav iesp\u0113jama<\/h4>\n\n\n\n<p>Lab\u0101kais risin\u0101jums \u0161\u0101d\u0101 situ\u0101cij\u0101 b\u016btu p\u0101rskat\u012bt maks\u0101jumu termi\u0146us ar pieg\u0101d\u0101t\u0101ju, klientu vai abiem diviem. Diem\u017e\u0113l ne vienm\u0113r tas ir iesp\u0113jams. Izeju var rast, izmantojot\u00a0<a href=\"http:\/\/cityfinances.lv\/ru\/faktorings\/\">fa<\/a><a href=\"http:\/\/cityfinances.lv\/ru\/faktorings\/\">ktoringu<\/a>,\u00a0<a href=\"http:\/\/cityfinances.lv\/ru\/finansejums-uznemumiem\/\">finans\u0113jumu uz\u0146\u0113mumiem<\/a>, uz\u0146\u0113mumu kredit\u0113\u0161ana vai ar\u012b pied\u0101v\u0101jot klientam nelielu atlaidi, ja r\u0113\u0137ina apmaksa tiek veikta \u0101tr\u0101k.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Dro\u0161\u012bbas spilvena veido\u0161ana<\/strong><\/h3>\n\n\n\n<p>Tas, cik ilgi uz\u0146\u0113mums sp\u0113j izdz\u012bvot ar nepietiekamiem ie\u0146\u0113mumiem, ir atkar\u012bgs no da\u017e\u0101diem faktoriem. Papildus l\u012bdzek\u013ci, kas uzkr\u0101ti no iepriek\u0161\u0113jiem dar\u012bjumiem var k\u0101du laiku notur\u0113t uz\u0146\u0113mumu virs \u016bdens.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Naudas l\u012bdzek\u013cu uzkr\u0101\u0161ana un uz\u0146\u0113mumu kredit\u0113\u0161ana<\/h4>\n\n\n\n<p>Tom\u0113r ir skaidrs, ka tas ir \u012bstermi\u0146a risin\u0101jums. Neatkar\u012bgi no uzkr\u0101jumu apjoma, neviens bizness nesp\u0113j past\u0101v\u0113t, ilgsto\u0161i cie\u0161ot zaud\u0113jumus. J\u0101saprot iemesli, k\u0101p\u0113c tie rodas un j\u0101nov\u0113r\u0161 c\u0113lo\u0146i. Iesp\u0113jams, ka j\u0101pace\u013c cenas, maksim\u0101li j\u0101k\u0101pina p\u0101rdo\u0161anas apjomi vai j\u0101pilnveido uz\u0146\u0113muma darb\u012bbas efektivit\u0101te kopum\u0101 un j\u0101pastiprina t\u0101s kontrole. Sava veida nodro\u0161in\u0101jums var b\u016bt ar\u012b jebkur\u0101 laik\u0101 br\u012bvi pieejams uz\u0146\u0113muma kred\u012bts<a href=\"http:\/\/cityfinances.lv\/ru\/aizdevums-jaunajiem-uznemumiem\/\">.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Uz\u0146\u0113mumu kredit\u0113\u0161ana<\/strong><\/h3>\n\n\n\n<p>Da\u017ek\u0101rt uz\u0146\u0113mumu izaugsme notiek p\u0101r\u0101k strauji. Piem\u0113ram, neliels IT uz\u0146\u0113mums nosl\u0113dz apjom\u012bgu l\u012bgumu. Darbi j\u0101paveic gada laik\u0101 un tam nepiecie\u0161ams nol\u012bgt v\u0113l \u010detrus speci\u0101listus. Izklaus\u0101s lieliski. Ta\u010du, t\u0101 k\u0101 nekas v\u0113l nav paveikts, ar\u012b nek\u0101da nauda nav sa\u0146emta. Bet algas jaunajiem darbiniekiem j\u0101izmaks\u0101 jau p\u0113c m\u0113ne\u0161a.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Uz\u0146\u0113mumu kredit\u0113\u0161ana k\u0101 naudas pl\u016bsmas probl\u0113mu risin\u0101jums<\/h4>\n\n\n\n<p>Ja nav iesp\u0113jams vienoties par avansa maks\u0101jumu, j\u0101izmanto uz\u0146\u0113muma kred\u012bts. Sa\u0146emot naudu no klienta var\u0113s nor\u0113\u0137in\u0101ties ar aizdev\u0113ju. Ir v\u0113rts \u0161\u0101du aizdev\u0113ju samekl\u0113t jau savlaic\u012bgi, lai uz\u0146\u0113mumu kredit\u0113\u0161ana vienm\u0113r b\u016btu pieejama, piem\u0113ram,&nbsp;<a href=\"http:\/\/cityfinances.lv\/ru\/\">Cityfinances<\/a><a href=\"https:\/\/www.delfi.lv\/bizness\/\">.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Probl\u0113mas ar naudas pl\u016bsmu var\u0113tu defin\u0113t k\u0101 situ\u0101cijas, kad uz\u0146\u0113mums vairs nesp\u0113j nok\u0101rtot saist\u012bbas, kuras tas ir uz\u0146\u0113mies. Viss ir vienk\u0101r\u0161i: laba uz\u0146\u0113mumu kredit\u0113\u0161ana un kvalitat\u012bva naudas pl\u016bsma pal\u012bdz biznesam augt, kam\u0113r v\u0101j\u0101 to gremd\u0113. P\u0113t\u012bjumi r\u0101da, ka tie\u0161i v\u0101ja naudas pl\u016bsma ir iemesls, k\u0101p\u0113c katrs ceturtais uz\u0146\u0113mums nep\u0101rdz\u012bvo pirmo darb\u012bbas gadu, un tikai apm\u0113ram [&hellip;]<\/p>","protected":false},"author":1,"featured_media":593,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 efekt\u012bvi uz\u0146\u0113mumu kredit\u0113\u0161ana veidi | Cityfinances<\/title>\n<meta name=\"description\" content=\"Uz\u0146\u0113mumu kredit\u0113\u0161ana un naudas pl\u016bsmas probl\u0113mas. 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